Affordable Solutions for First-Time Homebuyers.
First-Time Homebuyer / DPA Loans
Buying your first home is an exciting milestone—but it can also feel overwhelming. That’s why we’re here to help! With tailored first-time homebuyer programs and Down Payment Assistance (DPA) options, we make it easier to turn your dream of homeownership into a reality. Explore affordable loan programs designed with you in mind and let’s get started today!
What Are First-Time Homebuyer Loans?
First-time homebuyer loans are designed to make purchasing your first home more affordable. These programs often feature lower down payments starting as low as 3%, flexible credit requirements perfect for buyers with less-than-perfect credit, and competitive interest rates to keep monthly payments manageable. Many programs also offer reduced closing costs and access to government-backed programs such as FHA, VA, and USDA options.
What Is Down Payment Assistance (DPA)?
Down Payment Assistance (DPA) programs provide financial help for first-time buyers who need assistance covering their down payment or closing costs. These programs may include grants that do not need to be repaid, deferred loans that can be repaid later or forgiven after certain conditions are met, and low-interest loans with affordable repayment plans.
Benefits of First-Time Homebuyer and DPA Loans:
First-Time Homebuyer and DPA loans offer significant benefits to make homeownership accessible. You can qualify for low or no down payment options, flexible credit requirements, and a choice between fixed and adjustable-rate mortgages. Many programs also reduce closing costs, making it easier to budget. Additionally, homeownership education programs are available to guide you through the process and set you up for long-term success.
Tailored Loan Solutions by Experts
Why Work With Diane?
Buying your first home is a big step, and I’m here to make it easier. With over 30 years of experience, I understand how overwhelming the process can feel—and I’m committed to simplifying it for you. I’ll be there to guide you through every step, from pre-approval to closing. My goal is to provide personalized solutions that fit your unique situation, not a one-size-fits-all approach.
I’ve built strong relationships with realtors, attorneys, and financial advisors to ensure the process is seamless and stress-free. Based in Orange County, I’m proud to serve clients throughout the entire state of California and help turn your dream of homeownership into a reality.
Get Started Today!
I know that buying your first home is a big decision, and I’m here to make it as easy and stress-free as possible. Whether you’re just starting to explore your options or you’re ready to get pre-approved, I’m here to help every step of the way.
With over 30 years of experience, I’ve helped countless first-time homebuyers achieve their dream of homeownership. I take the time to understand your unique goals and financial situation, ensuring you get the best program available to fit your needs.
Let’s talk about how I can help you secure your future. Contact me today and let’s start turning your dream of owning a home into reality!
Tailored Mortgage Solutions Just for You
Choosing Diane Luongo Gazich at C2 Financial Corporation ensures you receive personalized, expert guidance tailored to your unique financial needs. As a Certified Mortgage Advisor with extensive knowledge of the Orange County market, Diane leverages her experience to provide you with the best mortgage solutions available. Committed to transparency and exceptional service, Diane and her team prioritize your financial goals, making the home buying or refinancing process seamless and stress-free. Trust in her proven track record for achieving successful outcomes for all clients.
Answers You Need—Guidance You Can Trust.
Frequently Asked Questions About Mortgages and Home Loans.
Got questions about buying your first home, refinancing, or loan programs? You’re not alone! Explore our FAQs to get clear, straightforward answers and expert insights to guide you through the mortgage process with confidence.
Who Qualifies?
Qualifying for First-Time Homebuyer and DPA loans is simple. If you haven’t owned a home in the last three years, have low to moderate income, or need help with a down payment or closing costs, there may be a program designed just for you. These loans are also ideal for those looking for affordable fixed-rate mortgage programs to make payments manageable.
Do I need perfect credit to qualify?
No! Many programs accept credit scores as low as 580 and offer flexible credit requirements. Even if you’ve had credit challenges in the past, there are loan programs designed to help you qualify.
How much can I get in down payment assistance?
Assistance varies by program, but many Down Payment Assistance (DPA) programs offer 3% to 5% of the home’s purchase price. Some programs provide grants that never need to be repaid, while others offer low-interest loans that can be deferred until you sell or refinance your home.
Are there grants available that I don’t have to repay?
Yes! Many DPA programs provide grants that don’t need to be repaid as long as you meet eligibility requirements, such as staying in the home for a set number of years.
Can I combine down payment assistance with other loan programs?
Absolutely! Many Down Payment Assistance programs can be combined with FHA loans, VA loans, USDA loans, and Conventional Loans to create a financing plan that works best for you.
What types of properties are eligible for first-time homebuyer loans?
Most programs allow financing for single-family homes, condos, townhomes, and even multi-unit properties if one unit is used as your primary residence.
How do I apply for these programs?
Applying is easy! Contact me today, and I’ll walk you through the pre-approval process, help gather the necessary documents, and match you with the best loan program for your financial needs.
How long does the process take?
The mortgage approval process typically takes 30–45 days, depending on the complexity of your loan. I’ll keep you updated every step of the way to ensure a smooth closing.
What if I’m self-employed? Can I still qualify?
Yes! I work with self-employed borrowers and offer Bank Statement Loans and other Non-QM loans designed for those with non-traditional income sources.
Ready to take the next step?
Whether you have questions about loans, need advice on refinancing, or want to get pre-approved, I’m here to help. Fill out the form below, and I’ll personally reach out to provide expert guidance and solutions tailored to your needs. Or feel free to reach out directly! 📞 Call or Text: 714-349-8890 📧 Email: [email protected]